Client of new classics abb is carried in on October 17 report (Dong Xiang is depended on) a variety of data show, this year building city " gold 9 " show a bit fade, "Silver-colored 10 " also leave bureau not beautiful, market whole drops in temperature apparent. Here setting falls, does Chinese room borrow the market to He Xin changes? According to be in harmony 360 newest issuance report shows, loan of countrywide head flatlet rose average interest rate is minor in September to 5.70% , for successive 21 months rise, but go up successive already 3 months fall after a rise.
Data chart. Gu Yifu of new classics abb is photographed in
The room borrows interest rate to rise rhythm puts delay, be opposite should be a good news for the person that buy a house, but reimbursement pressure still not small. With newest head flatlet borrows interest rate to borrow money 1 million, wait for computation of reimbursement of frontal principal and interest 30 years, general branch pays accrual to be 1.09 million yuan about, want to return 110 thousand yuan of interest more than last year.
Notable is, when in the room valence house does not fall high, head flatlet borrows interest rate to go up had entered drop passageway, does prospective room borrow interest rate you can fall? The personage inside course of study thinks, below policy of rigid estate adjusting control, the room borrows interest rate to won't have space of too big change, but future rises extent can narrow further.
Head flatlet borrows interest rate to go up 21 months
Borrow 1 million return 110 thousand interest more
The 360 data that monitor indicate thaw, loan of countrywide head flatlet is average in September 2018 interest rate is 5.70% , annulus rises than small 0.18% , compared to the same period the interest rate of 5.22% rose last year in September 9.20% .
To buying a house person for, with newest head flatlet lends interest rate 5.69% loan 1 million, wait for computation of reimbursement of frontal principal and interest 30 years, general branch pays accrual to be 1.09 million yuan about, should compare the corresponding period returned 110 thousand yuan of interest more last year.
Those who deserve attention is, in September head flatlet borrows measure of interest rate ascendant bank to decrease apparently, keep balance bank measure is occupied bigger. In 533 banks of countrywide, 17 banks interest rate rises, occupy than 3.19% , relatively on the month reduces 23 banks; 511 banks and on the month keeps balance, occupy than 95.87% . In addition, labour, farming, medium, found a state 4 big average rooms borrow interest rate rise to come 16.0% levels.
Data shows, countrywide head flatlet is average in September interest rate from low it is respectively to fast before 10 cities: Shanghai 5.19% , Xiamen 5.39% , Kunming 5.39% , Urumqi 5.39% , Dalian 5.44% , Fuzhou 5.49% , Beijing 5.49% , Taiyuan 5.49% , big talk 5.58% , Chongqing 5.62% .
The room borrows interest rate to go up a fall after a rise
Will you still can drop?
Data chart. Tide of king of new classics abb is photographed in
"The room borrows interest rate to go up a fall after a rise, concern with estate adjusting control already also concern with market liquidity change, " Chinese people university weighs academy of in relief finance senior researcher Dong Ximiao thinks likewise, current estate adjusting control did not slacken sign, relatively stringent adjusting control policy still can last, the room borrows interest rate to do not have very big adjustment space, appeared to go up so the phenomenon of a fall after a rise.
Borrow vicissitude of the market to prospective room, 360 rooms borrow be in harmony analyst Li Wei expresses, this lunar interest rate relatively go up month of city that keep balance and bank measure rise, relatively on the amount that the month rises decreases, prospective room borrows interest rate rise the space will narrow further.
The Central Bank fell on October 15 accurate formal be born, can release increment capital to make an appointment with 750 billion yuan. As huge amount capital is flowed into, can the bank have the space that relax to buying a room to borrow money? To this, the personage inside course of study thinks, the Central Bank falls market of accurate benefit good whole includes estate market, but place of Central Bank of no less than emphasizes " do not do flood flooding " train of thought, fall this to be not meant definitely turn on the water considerably, capital also won't flow to estate, more ground is flow direction medium and small businesses, alleviate pressure of financing of small small company, civilian battalion industry. In fact, the Central Bank ever also fell April this year accurate, but subsequently and those who come is not estate market anabiosis, however more strict adjusting control.
Dong Ximiao expresses, although the Central Bank is dovish the monetary policy total fundamental key of neuter is changeless, but the falls 4 times to had reflected a monetary policy definitely limit inside year is comfortable, in bank fluidity sufficient condition falls, also do not eliminate partial bank to have the likelihood that reduces a room to lend interest rate.
"Fluidity is relatively comfortable, bank financing cost drops, meet what affect common people on certain level buy room demand, but estate market also can get the influence of a lot of elements, if the expropriation of adjusting control policy, estate tax is waited a moment, on the whole, fall this to be opposite definitely the impact of the market is not big. " Dong Ximiao says further.
New change of building city adjusting control
How to affect you to buy a house?
Building city is traditional this year " Jin Jiuyin 10 " inferior many, clinch a deal the quantity shows exhausted weak state. During National Day golden week, city of much ground floor is sold " cool cool " , one day clinchs a deal a few houses make general appearance.
Data chart. In new classics abb 10 thousand but justice photograph
Academy of easy house estate released recently " 40 town houses of 3 quarters whole nation clinch a deal report " show, 40 typical cities built commodity house to clinch a deal in September area annulus is compared decrease 1% , city of a gleam of clinchs a deal to had been been in low. In addition, live according to Beijing build appoint statistical data, on October 1 - residential autograph of 7 days makes an appointment with a cycle of songs in a traditional opera to all be a digit, it is 44 only in all.
"Jin Jiuyin 10 " prices why no longer? Chinese city and learning of center of development of reform of a wide place in the road appoint secretary-general Feng Kui is unscrambled say, this round of adjusting control, begin the time that lasted two years from September 30, 2016. Two this years adjusting control fundamental key did not change actually, especially conference of the Political Bureau puts forward in the center of July 31 this year, want to be determined to solve problem of good estate market, price of determined control room rises. Below such policy setting, each places took very concentrated step in succession again, the phenomenon that sees now so is expected. For the in a sense, also mean the market more and more tend reason is changed.
Analytic personage points out, the near future adjusts accumulation fund policy more thick and fast, it is fluidity pressure firstly bigger, it is for demand of more reasonable and contented rigid housing secondly. Place produces Wei of chief analyst magnify to express to media in, policy of accumulation fund of a lot of cities was tightened up apparently 2018, main reason is business borrows the price to make too high accumulation fund utilization rate rises, the accumulation fund forehead of a lot of cities is spent be critical.
Li Wei thinks, future is administered to what accumulation fund area violates compasses problem or will spread out in the whole nation, administer limits will wider, strength will bigger.
The superintendency of accumulation fund domain is strengthened, right does loan of the person that buy a house have He Ying to ring? Li Wei expresses, those who limitted accumulation fund field violate compasses act, be helpful for ensuring the orderly development of the market, may affect one fraction just wanted a group nevertheless, loan specified amount is spent, loan examines and approve time or can be affected by scarcely benefit. But he points out at the same time, adjusting control is hasten of general trends place, have active sense to driving the steady progress of market order.
